Fair Isaac Corp (FICO)
Information Technology · Application Software · US stock · S&P 500 component
$771.19
▲ +1.26 (0.16%)
Fair valueFair
$928 +20.4% to fair value
$464fair band $650–$1,207$1,393
Day's range
$755.00 – $785.64
52-week range
$586.05 – $1,858.91
Red flags⚠ Negative equity
About Fair Isaac Corp
Fair Isaac provides analytics software and credit scoring. Its FICO Score is widely used by lenders to judge the credit risk of consumers, and the company also sells decision management software to banks, insurers and other businesses. Revenue comes from fees charged for scores, which are paid by credit bureaus and lenders, and from software licenses and subscriptions.
Over the last twelve months Fair Isaac Corp reported revenue of $2.4 billion. Over three years revenue has grown by 13.1% a year. The operating margin is 51.7%. Return on invested capital is 76%. Net debt to EBITDA is 4.3 times. It does not pay a dividend. The X-Ray Score is 68 out of 100. Return on invested capital describes how much profit the business earns relative to the money put into it.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $586.05 – $1,858.91Volume 766,900Daily, split-adjusted
Vitals
Market cap$17.5B
52-week range$586.05 – $1,858.91
Volume (last day)766,900
P/E (TTM)22.5
EBIT / EV yield5.4%
Free-cash-flow yield5.7%
Dividend yieldNo dividend
Revenue (TTM)$2.4B
Net income (TTM)$815M
Operating margin51.7%
Return on capital76.5%
Debt incl. leases$5.6B
Cash & securities$248M
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$928model spread $881 – $984
Fair
+20.4% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is Medium, so the safety margin is 30%.
Price $771
Undervalued < $650Fair $650 – $1,207Overvalued > $1,207
10-year DCF (market-scaled)
$740
Peer multiples
$1,279
Earnings power floor (not blended)
$106
Fundamentals-adjusted multiple
$765
Growth the price implies
14.4%/yr
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Average business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Information Technology peers. Open a lens to see the numbers behind it.
Valuation
Strong
77/100
Cheap against its sector on earnings and cash flow.
See the numbers →
EBIT / EV yield5.4%
Free-cash-flow yield5.7%
Fair value vs price1.2×
Growth
Fair
65/100
Growing at a typical pace for its sector.
See the numbers →
Revenue growth (3y)13.1%
EPS growth (3y)23.2%
Growth consistency100%
Profitability
Strong
84/100
Earns high returns on the capital it uses.
See the numbers →
Return on invested capital76.5%
Operating margin51.7%
Gross profitability100.0%
Financial health
Weak
47/100
Balance sheet is more stretched than most peers.
See the numbers →
Piotroski F-Score7 / 9
Net debt / EBITDA4.3×
Interest cover6.6×
Dividends
None
–/100
Pays no dividend.
See the numbers →
Quarterly results: last 6 quarters
+15.0%
Mar '25
+19.8%
Jun '25
+13.6%
Sep '25
+16.4%
Dec '25
+38.7%
Mar '26
+25.7%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $674M, diluted EPS $10.45.
Compare with peers
ADBE Adobe Inc.77 INTU Intuit Inc.72 ADSK Autodesk, Inc.67 PLTR Palantir Technologies...60Other Application Software companies by X-Ray Score.
Fundamentals checklist
● 11 Good · ● 2 Average · ● 3 BadCash quality
Earnings backed by cashGood
Free-cash-flow yieldGood
Risk models
Altman Z''Good
Piotroski F-ScoreGood
Growth
EPS growth (3y)Good
Free-cash-flow growth (3y)Average
Revenue growth (3y)Average
Growth consistencyGood
Balance sheet
Current ratioBad
Net debt / EBITDABad
Interest coverBad
Valuation
Fair value vs priceGood
EBIT / EV yieldGood
Profitability
Return on invested capitalGood
Operating marginGood
Gross profitabilityGood
Each check is graded against the company's sector, not a fixed number. Checklist score 69/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $1.3B | $1.4B | $1.5B | $1.7B | $2.0B |
| Operating income | $505M | $542M | $643M | $734M | $925M |
| Net income | $392M | $374M | $429M | $513M | $652M |
| Operating cash flow | $424M | $509M | $469M | $633M | $779M |
| Operating margin | 38.4% | 39.4% | 42.5% | 42.7% | 46.5% |
| Free cash flow | $416M | $503M | $465M | $624M | $770M |
| Diluted EPS | $13.40 | $14.18 | $16.93 | $20.45 | $26.54 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bearish
4 bullish · 2 neutral · 10 bearish
Weekly
Strongly bearish
0 bullish · 1 neutral · 11 bearish
Monthly
Strongly bearish
0 bullish · 1 neutral · 7 bearish
Moving averages (daily)
| SMA 10 | 716.6 | Bullish |
| EMA 10 | 736.1 | Bullish |
| SMA 20 | 748.9 | Bullish |
| EMA 20 | 771.7 | Bearish |
| SMA 50 | 937.6 | Bearish |
| EMA 50 | 896.9 | Bearish |
| SMA 100 | 1,070.4 | Bearish |
| EMA 100 | 1,012.3 | Bearish |
| SMA 200 | 1,166.8 | Bearish |
| EMA 200 | 1,159.6 | Bearish |
Oscillators (daily)
| RSI (14) | 45.80 | Neutral |
| MACD (12, 26) | -60.94 | Bearish |
| Momentum (12) | 30.17 | Bullish |
| Stochastic %K (14) | 92.76 | Bearish |
| Williams %R (14) | -7.24 | Bearish |
| CCI (20) | 16.79 | Neutral |
Pivot points (classic, last session)
S3 724.9 | S2 740.0 | S1 755.6 | Pivot 770.6 | R1 786.2 | R2 801.3 | R3 816.9 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
FICO SEC filings
6 Oct 2026
8-KSEC EDGAR
Exit or restructuring costs
29 Jul 2026
8-KSEC EDGAR
Results of operations
29 Jul 2026
10-QSEC EDGAR
Quarterly report
8 Jun 2026
8-KSEC EDGAR
Entered a material agreement; Other events
28 Apr 2026
10-QSEC EDGAR
Quarterly report
28 Apr 2026
8-KSEC EDGAR
Results of operations
20 Mar 2026
8-KSEC EDGAR
Entered a material agreement
11 Mar 2026
8-KSEC EDGAR
Other events
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.